Terms & Conditions
These are the terms and conditions (“Website Terms”) which apply to your use of this website (“Website”). Please read them carefully and if you have any questions or issues, please get in touch by contacting us.
Please note that this Website is intended for use by residents of the United Kingdom whilst in the United Kingdom only. For the avoidance of doubt none of the information on this Website constitutes an offer to contract in any country in which it is available including the UK.
These Website Terms are in addition to any terms of business which you may have as a direct customer (“Direct Terms”) and in the event of any conflict between these Website Terms and any Direct Terms, the terms and conditions of the Direct Terms shall prevail.
Any products or services acquired will be subject to their own terms and conditions with the relevant provider which you must also read.
This Website is provided by Charter Insurance Brokers Limited
This Website may also contain hypertext links to, or information from, websites operated by third parties (meaning persons or companies other than Charter Insurance Brokers). Where the Website includes any such information and/or links these are for information purposes only and Charter Insurance Brokers makes no representation whatsoever about any such link, website or content. Separate terms and conditions may also apply to such websites. Charter Insurance Brokers Ltd accepts no responsibility for the content of or your use of any website which is accessed via a hypertext link from this Website.
Availability and access
Charter Insurance Brokers does not warrant that this Website is free of viruses, worms, Trojan Horses or technical defects of any description‚ and accepts no responsibility for any technical problems arising from your use of this Website. Charter Insurance Brokers will endeavour to ensure that this Website is accessible for 24 hours a day but will not be liable if‚ for any reason‚ the Website is unavailable for any time or for any period.
Charter Insurance Brokers Limited will have the right to suspend access to the Website (or to any part of it) temporarily or permanently and without notice.
At any time, access to and use of certain parts of this Website may be restricted to registered users, to which further terms governing access may apply. When applicable, such terms shall be drawn to your attention during the registration process. Charter Insurance Brokers Limited may, at its sole discretion refuse to register a user or to provide access to certain parts of the Website to certain users, without providing reasons for doing so.
Information only website
The information contained on this Website is provided for information purposes only and cannot be regarded as constituting advice or recommendations (professional or otherwise). Charter Insurance Brokers Limited will use reasonable care and skill to ensure that information contained on this Website is accurate at the date of publication. However‚ because of the nature of the internet‚ information on the Website may not always be accurate or complete.
Charter Insurance Brokers Limited reserves the right to make amendments and changes to the information on the Website and any references to details of products or services, including pricing, are subject to change without notice.
Charter Insurance Brokers Limited reserves the right to make amendments and changes to these terms and conditions without notice to you from time to time to reflect changes in market conditions affecting Charter Insurance Brokers business, changes in technology, changes in payment methods, changes in relevant laws and regulatory requirements, and any other changes.
Any such amendment shall be effective once the revised terms and conditions have been posted on the Website. You shall be responsible for reviewing the terms and conditions of the Website each time you use the Website and we will treat your use of the Website as signifying your acceptance of the terms and conditions applicable at the time you access the Website.
Charter Insurance Brokers Limited will take all reasonable steps to ensure that any information you provide (via email or otherwise) as a result of your access to this Website is kept secure‚ but please remember that‚ because of the nature of the internet‚ the security of emails cannot be guaranteed. There is no guarantee that any emails sent will be received by us.
All warranties, conditions, representations and terms, whether express or implied by statute, common law or otherwise, with respect to this Website and its content, including but not limited to implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these Website Terms to the extent that they may be excluded as a matter of law. Further, Charter Insurance Brokers does not warrant that the Website will be uninterrupted or error free or that any defects will be corrected.
To the fullest extent permitted by law Charter Insurance Brokers shall not be liable (whether in contract or tort, including negligence or breach of duty, or otherwise) for any damage, loss or liability sustained or arising out of or in connection with:
Your use of the Website
Your reliance on or your inability to use the information contained on this Website; or
Any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, worm, Trojan Horse, or system failure, unavailability or suspension to this Website, including, without limitation, loss of profits, loss of income, loss of anticipated savings, loss of revenues, loss of data, loss of goodwill or loss of contracts or business (in each case whether direct or indirect) nor for any indirect, economic, consequential or special loss resulting from whatever cause.
To the extent permitted by applicable law, Charter Insurance Brokers expressly disclaims all liability howsoever arising whether in contract, tort (or deceit) or otherwise (including, but not limited to, liability for any negligent act or omissions) to any person in respect of any claims or losses of any nature, arising directly or indirectly from: (i) Anything done or the consequences of anything done or omitted to be done wholly or partly in reliance upon the whole or any part of the information of this Website; and (ii) The use of any data or materials on this Website or unauthorised access to this Website or otherwise.
Charter Insurance Brokers Limited will not be responsible for any breach of these Website Terms caused by circumstances beyond its reasonable control.
Nothing in these terms and conditions shall exclude Charter Insurance Brokers’ liability for death or personal injury resulting from Charter Insurance Brokers negligence. You shall be liable for and shall indemnify Charter Insurance Brokers Limited, officers, directors, agents, licensors, successors and assigns from against any and all claims, actions, liabilities, losses, damages and expenses (including legal expenses) of any kind which arise out of or in connection with, directly or indirectly your breach of these Website Terms.
Copyright and other intellectual property rights
Charter Insurance Brokers Limited own the copyright and all intellectual property rights existing on or within this Website (including but not limited to all database rights, trade marks, registered and unregistered trade marks, service marks and logos). Nothing in the Website shall confer on any person any licence or right with respect to any such intellectual property. Charter Insurance Brokers Limited name may not be used in any way, including in advertising or publicity pertaining to distribution of Information without our prior written consent.
The images, logos and names on the Website which identify Charter Insurance Brokers Limited or a provider of products or services from time to time are the proprietary marks of Charter Insurance Brokers Limited or the provider concerned. Nothing in the Website shall confer on any person any licence or right with respect to any such image, logo or name.
You are not permitted to download‚ print‚ redistribute or extract any information from this Website other than for your personal‚ non-commercial use.
You are not permitted to reproduce‚ copy, redistribute, modify or in any way change any of the information available on this Website.
You agree to indemnify and keep indemnified, Charter Insurance Brokers Limited, its officers, directors, agents, licensors, successors and assigns against all liabilities, claims, losses, costs, damage and expenses including legal fees incurred by Charter Insurance Brokers Limited should you breach any of the terms of this section (Copyright and other Intellectual Property Rights).
Data protection and privacy
Any personal information you supply to Charter Insurance Brokers Limited via this Website will be treated in accordance with the Data Protection Act 2018.
Applicable laws may require that certain information or communications be in writing. When using the Website, you accept and agree that communication with Charter Insurance Brokers may be electronic. Charter Insurance Brokers may contact you by email or provide you with information by posting notices on this Website. For any contractual purposes, you agree to electronic means of communication and you acknowledge that all contracts, notices, information and other communications that Charter Insurance Brokers Limited provides to you electronically comply with any legal requirements that such communication be in writing. This provision does not affect your statutory rights.
If any of these terms and conditions are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, in relation to such state or country only, such terms or conditions shall be deleted and severed from these terms and conditions and the remaining terms and conditions shall survive in full force and effect.
If Charter Insurance Brokers fails at any time to insist upon strict performance of any of your obligations under these Website Terms, or if Charter Insurance Brokers fails to exercise any of its rights or remedies to which Charter Insurance Brokers is entitled under these Website Terms, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.
These Website Terms set out the whole of Charter Insurance Brokers agreement relating to your use of this Website. Nothing said by any sales person on Charter Insurance Brokers behalf should be understood as a variation of these Website Terms.
Charter Insurance Brokers has established this Website in England. English Law shall govern its use at all times and in the event of a dispute the parties shall irrevocably submit to the exclusive jurisdiction of the English Courts.
Questions, comments and requests are welcomed you should get in touch by contacting us.
We know that sometimes things go wrong and, in the unlikely event this happens, we want to put it right. As a valued client of Charter Insurance Brokers we want you to tell us if our advice or service does not meet your expectations. We take all client dissatisfaction seriously and seek to use the lessons learned to improve the way we do things. Please visit our complaints page for details.